摘要
基于2013年中国社会综合调查数据(CGSS 2013),应用二元Logistic模型对农村居民参加商业医疗保险的影响因素进行研究。结果显示:"出生年份"、"教育程度"对参保选择有显著负向影响;"年家庭总收入"、"是否有工作"、"参加基本医疗保险情况"对参保选择有显著正向影响,是参保选择的主要影响因素,其中"是否有工作"影响程度最大;而"性别"、"婚姻状况"、"自评健康状况"、"是否参加基本养老保险"对参保选择无显著影响。对此,应改善健康教育方式,拓宽农村居民就业渠道,完善农村社会保障制度,以促进商业医疗保险在农村的发展。
Based on the 2013 China Social Comprehensive Survey Data（CGSS 2013）, the binary logistic model is applied to study the affecting factors of rural residents＇ participation in commercial medical insurance. The results show that ＂years of birth＂ and ＂educational level＂ have a significant negative impact on the choice of insurance; ＂total family income annually＂, ＂whether is working＂, ＂participation in basic medical insurance＂ has a significant positive impact on the choice of insurance. Among them, ＂whether is working＂ has the greatest impact; while ＂gender＂, ＂marital status＂, ＂self-evaluation health status＂ and ＂whether to participate in basic old-age insurance＂ have no impact on the choice of insurance. In this regard, we should improve the way of health education by broadening the employment channels of rural residents and improving the rural social security system to promote the development of commercial medical insurance in rural areas.
作者
王红波
孙向谦
WANG Hong-bo;SUN Xiang-qian(School of Management,Shanxi Medical University,Jinzhong Shanxi 030600,Chin)
基金
山西省社科联重点课题研究项目"山西省健康扶贫的路径优化和机制创新研究"(SSKLZDKT2017062)
关键词
农村居民
商业医疗保险
参保选择
影响因素
Rural residents
Commercial medical insurance
Participation choice
Influencing factors
